The history of processing payments

Before the Internet became a functional platform for the development of various kinds of relationships between people (personal, business, banking), it was impossible to check the balance of a credit card without leaving home. There were not so many financial companies that took part in payments by plastic cards. There were several types of such organizations.

Regulators. These companies produced plastic cards ordered by banks. The same companies also produced equipment with the help of which all information was read from credit cards. These organizations were: Visa, American Express and MasterCard. These payment systems are still very popular all over the world today.
Banks. Here, credit cards were handed out to customers. This process was controlled by a regulatory company. The banks tasks were to charge and write off funds from user accounts (the database and financial guarantees were provided by the regulator).
Business structures (e.g. shops). These are companies that were users of banks. Receiving payments from their clients, they had to wait quite a long time for the money to go to the companys merchant account (the funds were credited to the accounts with a long delay).
The 90s were marked by the development of the Internet. Now, in its vastness, it was possible not only to get interesting information about something, but to earn money, establish business relations, and so on. IT technologies have not bypassed card payment systems either: the status of cards from this moment can be checked online. If earlier only credit cards were in use, now banks also offer debit cards.

So, the development of electronic payments is gaining momentum. However, the question remained regarding the legal side of online payment transactions: the legal framework was completely absent.

Competent and promising people did not miss the opportunity to earn extra money: companies appeared on the Global Network whose employees developed new electronic money. In principle, these organizations can be confidently called the first Internet banks, however, banking legislation did not apply to them.

For example, if you need to exchange Visa to Bitcoin, then our exchanger will help you with this.

As a result, a new word appears - "processing". Today, the activity associated with the processing of information, which is used in conducting transactions for electronic payments, is called this term. Organizations specializing in this type of activity are called processing centers. Enterprises that provide processing services fall into the category of payment processing.

Visa processing in Russia

The popular Visa payment system also provides processing services. On February 18, 2015, Visa and the National Payment Card System entered into an agreement, as a result of which all domestic payment transactions of this system are transferred to the NSPK, that is, all payments must be processed within the borders of the Russian Federation.

For these changes, Visa had to donate $ 50 million. This was due to the Law on the creation and operation of the NSPK (this law was signed by the Russian president back in 2014). The document says that operators that are not among the payment systems important for the state must deposit a certain amount on the accounts of the Central Bank. This amount should be equal to the turnover that the payment system receives for two days of work in the country.

However, Visa enjoyed a few privileges: it did not charge a guarantee fee. In return, the Russian authorities requested that payments be processed within the country at the NSPK. Visa executives have agreed to work with the National Payment Card System. The transfer of processing to the Russian Federation cost the Visa payment system $ 50 million.

Legislative framework that controls the work of processing centers

Times change. Today, the operation of electronic payment systems, including Visa processing, is regulated by legislation (PSP / IPSP), which presents the rights and obligations of the processing center. For example, to start activities in the field of processing services, a company needs to purchase a license. Each country has its own prices for permits of this kind.

Having received an IPSP license, a company can enter into an agreement with any bank for the clearing procedure, which involves debiting funds from one bank account and then crediting them to another account. Conditions for a partner bank:

he must work with Visa;
the bank must have a PSP authorization document for banking processing.
However, the legislation for processing centers is not limited to PSP / IPSP licenses. There are many documents that control and regulate the activities of regulatory organizations (after all, it is these companies that determine how events will unfold in the global payment card market). By the way, Visa processing has the largest list of such documents.

Once electronic payments were firmly established on the Internet, some of the most popular processing services created their own banking systems. But most of the companies offering processing services still continue to engage in "clean processing", having entered into partnership agreements with several banking organizations at the same time. But here are two sides of the coin:

on the one hand, the processing company has certain advantages;
on the other hand, there is one big drawback: such centers do not have their own money.

Benefits of Clean Processing Companies

Processing companies have certain advantages that banks do not have.

Processing centers do not obey the laws that are adopted in banking structures.
They are not bound "hand and foot" by any definite policy.
These companies do not have any obligations to customers (investors).
They can partner with several banking networks at the same time, benefitting from the features of each of them.
Companies providing processing services can work with electronic currency (a regular bank is deprived of this opportunity).

Classic processing

The following "actors" take part in the processing:

business (for example, a store);
processing center;
card regulator (Visa);
issuing bank (bank that issues plastic cards);
acquirer bank (structure in which the companys account is opened).
To coordinate transactions between all participants, a technology called “clearing” was developed.

The complexity of the process lies in the fact that a large number of organizations are involved in the processing of electronic payments. In addition, this action takes a lot of time (several days).

Carrying out the process through one transaction comes with risks. If one of the participants, for example, has equipment out of order, then most of the payments that have already been made will be canceled. In order for the procedure to go through all the stages without incidents and to end safely, experts in the field of Internet payments have come up with a special technology with a complex sequence.

Classification of processing companies

There are three types of processing companies:

white;
gray;
black.

"White" processing companies

Such organizations include systems that fully adhere to the letter of the law. They are often residents of the European Union and the United States of America. They cooperate only with those businesses that pay taxes and do not engage in dubious activities. Services in such centers are inexpensive, and the processing procedure is not complicated.

"Gray" processing centers

These are companies that are registered in different offshore zones, in Asian countries and jurisdictions with low taxes. These are quite decent firms. They differ from "whites" only in the fact that they are ready to serve any business: enterprises selling medical drugs, dating services, portals for adults, and so on.

Gray centers do not partner with clients without referrals. They demand guarantees from their clients, personal data. These firms provide quality services at an optimal cost.

"Black" processing companies

"Black" processors do not disdain anything. They make deals even with those organizations that are openly illegal. Such processing is associated with offshore and Chinese banks that open accounts.

The turnover here is simply enormous. However, the risks are also very high. Therefore, "black" structures are carefully conspiring: to get in touch with representatives of this company, you need to have "acquaintances". Clients of "black" processing are at great risk: at any moment the company can close down, having appropriated the users money. And yet black companies have a large clientele.

Advantages of a bank that uses the services of a processing company

By using the services of a processing company, the bank gains certain advantages over its competitors.

Thanks to "cloud" processing, the server of the banking organization is unloaded, and funds are freed up that can be directed to the further development of the enterprise. The provider (Visa processing) provides the bank with ready-made schemes. The bank pays for those transactions that customers have already completed.
Visa processing integrates banking products and provides customer support.
The processing provider not only serves bank cards, but also helps organize retail banking business, focusing on the "one-stop-shop" method, which allows users to provide a wide range of services: make transfers, make payments, replenish accounts (including electronic ones), repay loans ...

What services do processing companies provide?

The counterparties of large processing centers are located in many countries of the world. Thanks to this feature, companies can enter into partnerships with foreign processing organizations.

Types of services:

Selection of a company that offers optimal processing conditions.
Implementation of the transfer of the enterprise to activities under offshore schemes that do not imply taxation.
Creation of a processing company.
Negotiation related to connection.
Selection of a processing provider operating in an offshore zone to create a new business model.
Audit of international online projects.
Assistance in acquiring a processing license for financial institutions and commercial enterprises.
Management and maintenance services for card accounts.
Services for maintenance of ATMs and POS-terminals.
Processing centers provide banks with the opportunity to realize themselves in the card business. At the same time, large investments will not be required.

Such companies help to implement complex billing schemes (organization of a cryptocurrency exchange point, bulk payments, outgoing payments for individuals).

Stages of creating a company providing processing services

To create your own processing company, you need to go through several stages.

Purchase a processing license.
Purchase encoding modules.
Draw up contracts with future partners (banks) and with other processing firms.
Create and integrate a software package.
Organize an online customer support service.
Draw up a marketing and product promotion strategy in the modern market.

Home Credit Bank History of origin and development

Home Credit started its activities in 1990. At that time it was called Technopolis Investment Bank. 12 years later, the company was acquired by the Home Credit financial group. And in the summer of 2002, the first lending operation under the Home Credit brand was carried out. In the same year, a representative office of the company was opened in Nizhny Novgorod, and retail outlets began to appear.

Geographic expansion

The enterprise began to develop rapidly. In 2003, the company established partnerships with all retail chains that existed at that time: Technosila, Eldorado, M-Video, Mir. The era of geographic expansion has come. The bank introduces new lending services and actively advertises them, attracting more and more new customers.

The year 2004 was marked by a very important event for the bank: the company presented its credit cards to consumers. The companys income began to grow. Home Credit outlets now operate throughout the country (except for the Far Eastern regions). Since 2005, the company has put into operation credit and cash offices, and the banks customers can receive cash loans.

New directions of "Home Credit"

The companys management pays special attention to improving the security system: the latest developments in the field of anti-fraud technologies have been introduced. Thanks to a well-functioning risk management system, the likelihood of adverse results and possible losses was minimized.

The bank offered its clients new services:

mortgage lending;
car loans;
internet banking and more.
Profits grew, and the company took the lead in lending. Home Credit is changing its model: the monoline bank becomes a retail universal bank, attracting deposits from citizens and issuing payment cards with which customers can make purchases in various retail chains.

Hard times

The streamlined strategy allowed the bank to survive the 2008 crisis. Home Credit has stopped providing mortgage and car loans, focusing on cash loans.

Now the bank is also going through difficult times (like all financial structures). However, the companys employees are making every effort to keep the bar high: asset quality is improving, cross-selling technology is improving, and the quality of customer service is improving. Home Credit is still the leader in the POS lending market.

Home Credit Bank activities

The main focus of Home Credit Bank is the provision of retail services. At the time of 2012, 6,350 company offices and about 70,000 retail outlets were registered in the Russian Federation.

The banks profit during this period amounted to 19 billion rubles (compared to 2011, the income increased by 80%). The growth of the loan portfolio was also significant: its volume increased by 98% and amounted to about 224 billion rubles. The growth of the loan portfolio was provided by cash loans, which increased by 174%.

In 2013, Home Credit won 26.5% of the market, ranking first in lending.

Loans provided by the bank

At Home Credit Bank you can take out a cash loan or get a credit card. The company provides its clients with various types of loans: for the purchase of goods (furniture, household appliances, video and audio equipment, computer equipment, clothing, etc.), payment for medical services, and the purchase of a travel voucher. Here you can also use car loan services or get a mortgage for the purchase of housing or land.

To get a loan, the client must provide a certain package of documents, which includes:

passport;
additional document confirming the identity of the client;
certificate from the place of work;
copy of the work book;
military ID (for male clients).
Loan terms are different (depending on the type of loan and the amount).

The client has the right to withdraw from the loan within 48 hours. In this case, interest is taken only for the actual period of use of funds.

Credit cards

The bank offers its customers only two types of credit cards. However, despite the "small assortment", Home Credit credit cards are very popular.

"Quick shopping". It takes only half an hour to process this credit card. The client needs to provide two documents. But the rates on this card are quite high (over 40% per annum).
CASHBACK. By providing a complete package of documents, the client will receive the minimum loan rate. In addition, when paying for goods or services with this card, part of the funds that were spent on the purchase will be transferred to the account of the credit card holder.

Making a loan application

You can get a loan in two ways:

in the office;
using an online application.
Online application is the best way. It has a number of advantages.

Saving time. There is no need to stand in lines and fill out a whole heap of documents. On the official website of Home Credit Bank there is a button "loan application". The client just needs to click it and fill in all the pop-up fields. Bank employees will contact the applicant and announce the decision of the credit commission.
A minimum of securities. There is no need to provide a huge amount of documents and certificates. If a loan is issued at a bank branch, then a large package of documents is usually required from the client. But clients who have made an application online enjoy special privileges and do not provide any information.
Easy to use. To apply for a loan online, no special knowledge is required: an entry-level PC is enough. In addition, you can use a mobile device (smartphone or tablet) to apply.
Automatic calculation of interest. When applying for a loan, you can use an online calculator to calculate interest and payments.
Bank employees will contact the client to clarify some details related to his activities and inform about the amount that the bank is ready to lend. And only after that you will need to visit a bank branch (to pick up cash or a bank card).

Requirements of the bank to the borrower

To get a loan from Home Credit Bank, you do not need to look for guarantors or provide collateral. Of course, the company, wishing to protect itself from fraud, makes certain requirements to its clients that can guarantee the reliability of the borrower.

Only citizens of the Russian Federation have the right to receive loans.
Loans are provided to people between the ages of 23 and 64.
The client must be registered in the city in which the loan application is submitted.
There are restrictions on the loan amount: minimum - 50,000 rubles, maximum 500,000 rubles.

Home Credit Deposits

Home Credits main specialization is lending. But the company strives to attract users by expanding the range of its services. The bank offers good interest rates on deposits and comfortable conditions for keeping money.

Deposits can be opened both in the state currency and in dollars or euros. The rates will depend on the amount of the deposit, the duration and the deposit program. The bank offers several types of deposits.

By making a deposit in rubles, clients do not have to worry about a drop in the exchange rate of the national currency: the bank offers an automatic insurance program.

Home Credit and e-currency. Internet banking

Clients of Home Credit Bank have the ability to deposit funds to various electronic wallets or withdraw electronic currency (having previously exchanged, for example, Bitcoin, for fiat money - rubles) to their bank account. The commission is from 1%. There is no commission fee for some wallets.

Money can be transferred using the services "Mobile Bank" or "Internet Bank". To do this, you need to log into your account, select the desired payment system from the drop-down list and enter the account number. Funds are credited instantly.

Using the "Internet Bank" or "Mobile Bank" you can also pay for mobile services, Internet, housing and communal services.

Active social policy "Home Credit"

The companys management pursues an active social policy, caring not only about the banks profit, but also about the comfortable working conditions of its employees, and the financial security of customers. Charitable activities were not ignored either.

Employee care: kindergarten in the office.
In one of the offices of the bank there is a preschool institution "Orangery". Employees of the company take their children here. Home Credit is the first Russian company that decided to place a kindergarten in an office.

The institution is designed for children of different ages. In classes with children, teachers use the Montessori methodology, the main principle of which is a personality-oriented approach.

Financial educational program.
The main goal of the social policy of Home Credit Bank is to eliminate the financial illiteracy of the population. The implementation of the program began in 2008. The companys employees conduct training events: seminars, workshops, lectures, master classes, open days, competitions.

The Bank publishes its own magazine “Prosto Vmeste”. This is a kind of financial advisor. After reading the articles written in an understandable language, clients are introduced to banking and financial products, their features and benefits.

Charity.
Within the framework of the Blue Bird charitable project, the bank helps talented children in difficult financial and social conditions acquire a profession. Home Credit not only pays for the tuition of selected students, but also provides them with scholarships, and also organizes tourist trips both in Russia and in other countries.

The Blue Bird program operates in eleven regions of the Russian Federation.

Home Credit Bank Code

The company has a Code that defines the standards of the banks relations with customers.

The client has the right to choose a bank and a loan.
Friendliness and open information.
Individual approach to each client.
Fairness in dealing with customers.
Home Credit offers the best loan options according to the financial capabilities of the borrower.
Confidentiality. Personal information about the client is closed to third parties.

Home Credit Bank and Rospotrebnadzor

Rospotrebnadzor has more than once made claims against Home Credit Bank. One of the banks principles is the legality of all financial transactions. Therefore, if the inspection bodies found any shortcomings, the companys management took measures to eliminate the errors.

For the first time, Rospotrebnadzor filed a lawsuit in court in 2006. The reason was the borrowers complaint that the bank takes a commission when opening loan accounts under consumer loan agreements. By a court decision, the claims of Rospotrebnadzor were satisfied. Since then, Home Credit does not take any commission when opening and maintaining loan accounts.

The next lawsuit was related to the fact that the bank included in the loan agreements conditions for the resolution of litigation in the place where the bank is located (in Moscow): the bank changed the terms of the contractual jurisdiction.

One of the State Duma deputies appealed to the Federal Security Service with a request to control the activities of Home Credit Bank. The official suspected the company of fraud. He suggested that the banks employees are carrying out dubious operations, the victims of which could become unprotected segments of the population. The General Prosecutors Office carried out an investigation, to which the Antimonopoly Service also joined. The audit showed that the bank was conducting legal activities.

About company

Bank "Avangard" began its activity in 1994. Then it bore the name of JSCB "SADR". In 1996 the organization was renamed: from that moment on, the bank was called Avangard. The head of the company and the main shareholder (over 99%) is K. Minovalov. The bank is part of an industrial and financial group consisting of manufacturing enterprises, enterprises of the agro-industrial complex and investment organizations.

Avangard is a huge banking network with 250 offices: branches of the company operate in almost every region of Russia. The total number of employees is 3,000 people.

The bank specializes in lending to individuals. The most intensively developing retail segment is credit and debit cards. Avangard maintains partnerships with the largest payment systems MasterCard and Visa. Since the company was founded, about one million plastic cards have been produced (of which 80% are credit cards).

The loan portfolio of Avangard (69%) is in one of the first places in terms of the real value of all the companys assets (net assets). It is steadily increasing: for example, over the period of 2011, the banks assets grew by 40%. 90% of loans accounted for lending to legal entities.

Modern banking technologies

Avangard is an organization that keeps pace with the times. The company implements the latest technologies, thanks to which the use of the bank becomes more comfortable. For example, special attention is paid to Internet banking. More than half of the companys clients (50,000 organizations and 1 million citizens of the Russian Federation) use online banking services.

If the client finds it difficult to choose a credit card, then he can use the "Assistant in choosing cards" service. The program will not only help you determine the type of credit card, but also understand how to get the most out of the card.

With the help of new generation acquiring, you can pay by credit card for the services of service centers and for goods purchased in the online store.

Another newest technology that has no analogues is the certification of cards with signatures and seals of organizations (legal entities): an electronic tablet records the signature biometrics: writing speed, pressure and tilt. This technology ensures full authenticity of the certified signature and excludes forgery of documents.

Effective development strategy

The banks management adheres to a strict policy in relation to debtors (it is understandable: who wants to lose their money?). This position has a positive effect on the development of the company: the debt is only 2%. All profits are put into circulation: bonds of foreign companies and Russian banks are purchased. The Directorate has developed a very efficient investment concept in which the banks capital is reasonably allocated:

the share of client accounts is 37%;
deposit accounts - 18%;
interbank lending is 11%;
13% is allocated for bonds and bills.
In 2011, the management made a decision to attract investment funds. Thanks to the issue of shares, the banks capital grew by 30%. This brought an incredible profit: Avangards income amounted to 708 350 000 rubles (a difference from the 2010 figures of 200 million rubles).

Documents confirming the legality of the Bank "Avangard"

For all types of services that the bank provides both legal entities and individuals, there are appropriate permits.

One of the main documents is the General License of the Bank of the Russian Federation, which allows banking transactions.
License to conduct operations related to precious metals.
Avangard has the right to trade and manage securities, as well as to carry out dealer, brokerage and depository activities.
The bank is authorized to develop, manufacture and distribute encryption, information and telecommunication systems.
The company obtained a license allowing the bank to use classified materials in its work.
Avangard has the right to issue bank guarantees of payment of customs duties and taxes by organizations that participate in foreign economic activity.
The bank participates in the deposit insurance program.
The Ministry of Finance of the Russian Federation has included the Avangard company in the List of banking organizations that can accept guarantees for taxation.

Internet banking

People who value their time use the services of Avangard Internet Bank. Thanks to this system, you can, while sitting at home in a comfortable armchair, at any time of the day or night, make banking transactions, submit requests and receive information on the status of accounts.

Wherever the client is located in the world, he will be able to access the Internet Bank at any time. Any device will do: desktop computer, mobile phone or tablet. The main condition is the presence of an Internet connection.

What does the Avangard Internet bank give?

Providing information on accounts, deposits, cards and loans.
Making payments for telephony services, Internet providers, cable TV, payment for utility services, crediting funds to electronic wallets.
Purchasing train or plane tickets. When paying for transport services, users of the Internet bank are credited with promotional miles that can be exchanged for tickets.
Hotel reservation in any country of the world.
Deposit management. Avangard Internet Bank allows making deposits online (in rubles, US dollars, euros). If necessary, the deposit can be closed ahead of schedule.
Implementation of translations. Customers can transfer money to the banks internal accounts free of charge. When transferring funds to third-party banks, a commission is charged. You can transfer both rubles and other types of currencies (euros and US dollars). Avangard has entered into partnership with the Western Union system.

Conversion

Avangard offers its clients rather favorable conversion terms. The bank conducts conversion operations very actively. The most popular currency pairs are: US dollar / ruble, euro / US dollar, euro / ruble.

When making transactions related to currency conversion, customers can take advantage of discounts that the company offers for a one-time transaction.

Currency exchange can be carried out both at a bank branch and online. Conversion is carried out at the exchange rate. Funds are credited to the users account instantly. Online exchange operations are carried out until 7 pm Moscow time.

The transaction value will be calculated automatically: the current exchange rate and bank rates are taken into account. Changes in the exchange rate are displayed in a special window. This allows not only to quickly make exchange transactions, but also to minimize costs. The client also has the opportunity to independently choose the conditions.

The bank charges a commission for making exchange transactions. The amount of the fee depends on the amount and type of currency (from 0.15 to 1%). If the transaction is made after 17.30 Moscow time, then an additional commission is charged (0.15%).

By entering data into the System, the client can monitor the exchange rate. And if significant changes have occurred, then the user has the right to terminate the transaction and exchange his money later.

The money stored in the Avangard bank accounts can also be exchanged for the Bitcoin cryptocurrency. In this case, you need to use the services of an online exchanger. Conversion can be carried out both manually and automatically.

Settlement and cash services

Bank "Avangard" provides its clients with services on the basis of contracts. These services can be associated with money transfers from client accounts, cash withdrawals, and more.

To open an account with Avangard Bank are entitled to:

legal entities;
private entrepreneurs;
residents of the Russian Federation;
residents of other states.

More than one hundred thousand organizations use Avangards cash settlement services.

The main advantages of this type of service are:

low cost;
ease of use (Internet Banking does not need any special software);
a large number of branches providing settlement and cash services;
possibility of informing by SMS.
To open a current account, you must submit an application at a bank branch or online.

Algorithm for opening a current account:

an online application is filled in;
a package of documents is uploaded
original documents are submitted to the bank branch.

Loans to individuals

Individuals can open a credit card at the Avangard Bank or use car loans.

When issuing loans, the bank makes simple requirements for clients that can somehow guarantee the reliability of the borrower. Citizens of Russia who have a permanent residence permit can apply for a credit card. In addition, the borrower must provide a job certificate confirming that he is in a permanent position. This is quite enough: you do not need a certificate of salary, and you will not have to look for guarantors.

Credit cards "Avangard" bank - this is the most profitable way of obtaining a loan today. However, it must be remembered that the bank adheres to a strict policy in relation to debts: payments must be made regularly, without delay.

This is one of the few banks that issues credit cards to young people (from 19 years old) - the best option for students. As for the maximum age, at the time of the loan, the borrower must be no older than 58 years old.

The loan amount will depend on the package of documents and income level. Rates, depending on the type of loan, fluctuate between 12-30%.

Another advantage of Avangard credit cards is a rather long term of use of credit funds. Having paid for their first purchases with a credit card, the borrower can repay the loan within 200 days. After the grace period expires, the loan period is 50 days. During all this time, no interest has to be paid. You only need to make a monthly minimum payment of 10% of the loan amount.

Car loans enable a bank client to purchase a car. The borrower can receive funds in rubles, euros or US dollars (the interest rate will also depend on this). Regular customers enjoy a special privilege: the rate will be lower for them.

The borrower must pay the first installment (at least 30% of the value of the vehicle). It should be noted that the larger the amount deposited by the client, the more loyal the bank will be to him.

Advantages of a car loan at Avangard Bank:

no salary certificate is needed;
there is no need to take out insurance;
unlimited loan amount.

Types of deposits in the bank "Avangard"

The bank offers a small range of deposits: only 4 types. The client can open a ruble, dollar or euro deposit.

"Base". The deposit can be opened at a bank branch or online. It does not provide for replenishment, and you can withdraw funds only after the expiration of the deposit. Interest payment can be monthly or at the end of the deposit.
"Savingsbook". This is a ruble deposit. You can open it at a bank branch. Validity period - 2 years.
"Rentier". Foreign exchange deposit, in which the minimum amount is 5 thousand dollars (euros). It is impossible to replenish it or withdraw funds before the due date. Interest will be credited when the deposit expires.
"Multicurrency". You can open this type of deposit using Internet banking. Its advantage is that the investor can convert funds without losing the exchange rate. The client can choose how he will receive interest: monthly or at the end of the deposit period.

The abbreviation MTS is familiar to many modern people and is primarily associated with most of them with a fairly well-known and popular operator of mobile communications and high-speed Internet services. Indeed, the banking structure under consideration and the services it provides to the population is directly related to the aforementioned mobile communications, but in fact its possibilities are much wider than only this area.

Top of the financial structure

When it comes to MTS Bank, it is worth considering it primarily as an independent and dynamically developing financial structure with offices and representative offices throughout the Russian Federation. Until 2012, this institution was referred to as the Moscow Bank for Reconstruction and Development. Today, MTS Bank is the top of the whole financial structure and it is under its leadership that smaller, but, nevertheless, financial institutions that are equally popular and in demand in their industry, operate quite successfully.
Simple and affordable account management
It would be strange if the owner of one of the most popular and demanded not only on the territory of the Russian Federation, but in many countries of the former CIS, the structure, which is primarily associated with a company that has been providing mobile communication services to the population for many years, would not have a highly developed remote control system accounts carried out via the Internet.

In addition to providing the usual classic banking services, MTS Bank also offers its customers the PrivatBanking service. To make remote payments of any purpose, including transfers between accounts of different banks, as well as solving any other equally pressing financial issues, it is enough just to issue access to the electronic online management system. Comfort and confidentiality, the ability not to report transactions even to bank employees, significant savings in time and money (only a minimum commission is charged for transactions, or even none at all), as well as special conditions, promotions and bonus programs are offered to its regular customers by the PrivatBanking system from MTS.

Significant differences

Most financial institutions carry out such programs in the era of modern technology. However, there is one significant difference between such remote control capabilities. For most banks, access to electronic account management is limited to making transfers between their accounts, from a customer card to a second party card, and making the most common payments, such as utility bills and mobile phone top-ups. In principle, this is quite enough for many private clients. However, there are situations when a person simply needs to get much more opportunities in managing private and company accounts. Then he begins to look for new opportunities to realize his goal. MTS Bank has created its own remote management system taking into account the basic needs of the population. But thanks to constant surveys of regular customers, monitoring the situation and assessing the needs of the population, this electronic access system is constantly being improved and updated.
Own manager - an offer from MTS Bank

At the moment, MTS Bank offers its customers the following PrivatBanking options:

transfer of funds between your accounts or to a second persons card;
international transfers;
the ability to calculate interest on a deposit or overpayment on a loan;
receiving information about promotions, bonuses and other loyalty programs;
the presence of a personal account with templates for standing payments;
minimum commission for making transfers;
the opportunity to receive advice and support from a personal manager;
the ability to exchange Visa for Bitcoin from an MTS card;
instant exchange from a bank to Bitcoin.

The last proposal regarding a personal manager is one of the distinctive features of MTS Bank. Why rack your brains and try to figure out what to do in an unfamiliar situation, panic in case of force majeure, from which no one is immune and try to guess at random a solution to the problem that has arisen? A personal manager who will not only conduct a detailed consultation on any issue of interest to the client, but will also help to find a way out of this situation, as well as develop, together with the client, a step-by-step plan for the implementation of the goal.

PrivatBanking from MTS is a proven and reliable remote payment system. Multilevel security system, ease of account management, accessible step-by-step instructions, round-the-clock information support and the ability to receive assistance from a personal manager on any financial issues and transactions.

VTB24 is a large and popular bank operating in Russia; it has been successfully operating for many years and is part of VTB international format. His main specialization is working with small businesses, private entrepreneurs and middle class businessmen, and he also interacts with other types of clients. VTB24 has a large number of offices in the Russian Federation, there are about six hundred of them. All formats of financial services can be obtained by cooperating with this bank.

VTB24 Bank was established five years ago on August 1. A year before, VTB had acquired a controlling stake of about (eighty percent), which made it possible to almost completely control the newly created VTB24. CJSC "Guta-Bank" became the basis for a new, more modern and updated specialized professional retail bank. This bank works not only with business, but also with citizens and their deposits. At the moment, time deposits, demand deposits and mortgage deposits are being processed in this bank.

Mikhail Zadornov, who was previously the Minister of Finance of the Russian Federation, became the head of this financial company. A year after its creation, there was a global restructuring and redevelopment of all divisions of banks that are part of VTB. 2006 gave the company a logo, which is still valid to this day: a white wing, and the inscription "VTB24" below. In 2007, VTB24 made its shares available to customers for the first time. These securities were relatively inexpensive (twenty thousand rubles), and not only Russian citizens, but also citizens of other countries could buy them. A year after that, this bank began to take second place after Sberbank in terms of retail operations. The bank is convenient for making payments on the Internet. It is used for exchanges with Webmoney, as well as numerous Bitcoin cryptocurrency exchangers.

VTB24 provides services for plastic bank cards, is engaged in money transfers, term deposits on certain conditions, the bank has also successfully introduced remote monitoring technology for customer accounts and provides services for renting safe boxes in which customers can store securities or items. In addition to everything else, this bank deals with loans and offers to issue a mortgage agreement, makes financial injections for mortgage loans from other banks and has excellent and favorable conditions for providing mortgages. Mortgage agreements allow you to repay the loan ahead of schedule without any difficulties, and the commissions charged for the issuance and consideration of the application are not provided, plus everything, the period for repayment of the debt can be extended to fifty years. Experts recognize the promise and quality of services provided by VTB24.

The bank has branches not only throughout the country, but also in countries neighboring Russia. The global economic crisis, which affected the banking systems and economies of different countries of the world and had a negative impact on them, was successfully passed by VTB24 Bank, practically without serious difficulties.

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Loans are provided at very favorable rates, which vary within attractive limits, and also the income of the family and close relatives is taken into account when registering, if necessary. The services provided by the bank are very profitable, they are attractive to many groups of the population. VTB24 makes it possible to use its services anywhere in the country where the banks branches are located, and the organizations activities are carried out on the basis of the issued general license.

The bank provides personal loans to its clients for any necessary purpose. There are three types of loans from VTB24 Bank:
1. Credit, which is provided to pay for studies, purchases in stores, to pay for vouchers to other countries and for other similar purposes. Payment in cash is accepted. Favorable conditions and interest rates will be selected individually for each client.
2. Lending for the payment of existing loans, issued in VTB24 or other banks. This loan is issued only to those customers who have no overdue payments on other loans.
3. Credit, which is tailored for entrepreneurs and small businesses. It is issued on a simplified basis and does not require collateral and guarantors.

VTB24 Bank has long been one of the top 10 leading banks in the country for lending to individuals. On the territory of Russia there are more than three and a half thousand ATMs, which are daily used by customers in different parts of the country. Employees of various enterprises are the holders of bank cards to which employees salaries are transferred. The bank occupies a leading position in many banking aspects and continues to gain more and more popularity among citizens. VTB24 is a modern large and innovative bank that does not lag behind others in terms of professional and quality level of customer service and provision of banking services.

Bank Avangard occupies a special position among commercial financial and credit organizations. The key area of his activity is comprehensive service that allows solving various financial issues of clients. There are 83 branches in the capital alone, and over 300 service points operate throughout Russia. The bank serves over a million individuals (borrowers and depositors) and about 100,000 companies.

The organization has been providing financial services to individuals and legal entities for over twenty years. Two years after its foundation, the company acquired the name AKB SADR, but later it was renamed to AKB Avangard. The accumulation of funds in 2007 amounted to over five million rubles, which allowed the institution to be classified as a second-tier bank.

This financial institution is developing at a rapid pace and now boasts a well-functioning management system, and also stably holds its positions among other banking organizations. Avangard is a member of large economic financial groups engaged in the production of malt, agricultural crops, as well as operating in the field of investment projects and leasing.

Services of a different nature can be obtained in this bank: leasing, investment in profitable projects, small and medium-sized businesses, interacts well with the corporate segment of the population and cooperates with international companies. Cooperation with organizations from other countries allows Avangard Bank to become a more promising and attractive financial institution. The field of precious metals is also not left without attention, Avangard already has a license to export these goods.
The bank offers all types of services demanded by clients:

long-term and short-term deposits;
cards;
various types of loans;
maintenance of accounts of individuals and legal entities;
Money transfers;
interaction with precious metals;
activities with securities;
online banking system, etc.
The bank attracts and uses the finances of individuals, which make up about 9.5% of liabilities (almost three billion rubles). All branches and departments of this institution have official permission to carry out their activities, which allows the bank to become a grant for potential participants in foreign economic relations.
Today, the place of Avanguard among similar companies in the country hovers somewhere in the top 50. Systematization is based on such economic indicators as the size of capital and the amount of net profit. Financial experts assess the bank as a stable and rapidly developing credit institution. Over the past three years, Moodys Investor Service has assessed the banks financial stability at B2 / NP / E +, Rus-Rating on the national scale gives “AA-” and BBB- on the international scale.
Bank Avangard has all the permissions and statuses that allow it to provide financial services in full:

permission to carry out dealer, brokerage and deposit actions with securities;
permission to carry out activities with precious metals;
permission to develop, produce, distribute encryption tools, as well as systems related to telecommunications and information, which are encrypted with special means;
the institution is included in the list of banking companies participating in compulsory deposit insurance.
Bank Avangard is a member of many prestigious banking associations, including regional, national, international and interbank institutions.

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This financial institution is one of the leaders in several national statistical reports according to Banki.ru. As a result of a survey carried out among portal users in the fall of 2005, Avangard was awarded the title of the best bank in terms of service level, leaving behind about eighty competitors from Russia. More than two thousand people shared their opinion, leaving a lot of comments on the site on the work of banks and other organizations that issue loans.

Bank Avangard is not distinguished by a developed network of its own ATMs, so the companys leaders decided to conclude an agreement with the non-profit organization United Settlement System. Thanks to this, the banks customers can carry out transactions through ATMs with OPC stickers. There are over 20,000 such devices in all Russian cities. The commission for operations is minimal. So, for example, for withdrawing cash from a card, only 0.5% of the amount received is charged.

Gazprombank is a bank with a long and successful development history. It began its activity twenty years ago and is the largest commercial banking organization that provides services for investment projects, interacts with different categories of the population on various financial issues, providing a full range of banking services. The organization is one of the three leaders among Russian banks and ranks third in the rating of European banks in terms of the volume of its own money savings.

Gazprombank, being a commercial company from the beginning of its creation, only after 6 years was able to regulate its activities in accordance with the legislation and received the status of LLC, then five years later the status changed to CJSC (open type of company changed to closed type).

The bank is convenient and popular among exchangers, as it allows you to easily make exchanges from Gazprom Bank to Bitcoins and other payment systems and exchanges, for example, BTC-e.

Eight years ago, this company acquired about eighty percent of Areximbank CJSC in its asset, a year later Gazprombank also acquired another 14 percent of this banks share, and in September 2012, the entire capital of Areximbank went to Gazprombank. The takeover was quick and easy.
Today Gazprombank is a universal financial and credit institution serving such important areas of economic activity as:

petroleum and chemical;
metallurgical;
energy;
atomic;
engineering;
transport sector;
gas;
Agro-industrial complex;
Market relations.
The expansion of the companys activities does not end there, it also provides retail sales services, which is a priority area of the banks activities.
A variety of financial services are provided to individuals:

various types of lending;
deposits;
bank cards;
interaction with the current account;
remote access systems and much more.
The company is a leader in the issuance of securities, in financing loans and in managing assets of small and medium-sized businesses, as well as in other promising areas. Gazprombank also conducts charitable activities and sponsors educational institutions to train highly qualified personnel. It is also important to note that this organization also sponsors various sports aspirations of the citizens of the country, promotes a healthy lifestyle and supports the movement of sports to the masses.

The bank is convenient for commercial exchanges. You can easily exchange Gazprombank for Bitcoin in our exchanger.
The banks users are more than four million individuals and about forty-five thousand organizations and various companies. To date, the bank has created a number of companies not only in the Russian Federation, but also in other countries, for example, in the CIS countries and in a number of European countries. Also, some of the banks representative offices are located in Asia.

In Russia, the banks network is represented by 32 branches, the total number of customer service points reaches 500. Gazprombank also sponsors aesthetic values and always acts to protect the countrys cultural heritage. The Bank finances such important projects of international importance, namely, the construction of new routes for delivering gas to Europe from the farthest corners of the country across the Black Sea. These global projects are changing the world and taking the quality of the banks work to a new level.
Gazprombank sponsors and actively participates in promoting the development of distant regions of the country. Gas is transported to Asian countries, and along with this, the regions of Siberia are developing. The active activity of this institution not only in the banking sector, but also in other equally important areas of the countrys development puts it in high positions among other banks.

Gazprombank participates in the capital of such foreign organizations as Belgazprombank and Gazprombank in Switzerland. Together with Rusnano, the company participates in the Fiber Optic Systems project. Investing money in technology development is also the banks priority goal.

At the beginning of 2012, the total volume of lending to individuals and legal entities amounted to more than 1.4 trillion rubles, of which 109.6 billion rubles accounted for loans to the population. Clients of this company can always receive special offers and have a choice of lending methods. The convenience of interaction with the bank also popularizes its activities. Great interaction with the population and investment in various projects makes a positive advertisement for this financial institution.

Gazprombank has received a huge number of awards related to management and service, it occupies honorable and leading positions in various ratings, tops and statistics, not only in national but also in foreign ones. All these awards symbolize the companys perspective and dynamism, as well as the fact that customers are satisfied with the service and interaction with this bank.

Litecoin is an electronic payment system that uses the cryptocurrency of the same name. The basis for creating the system is the centralized administration protocol.
In the beginning, Litecoin was developed by specialists as the evolution of Bitcoin. As of October 18, 2015, the system currency is equal to $ 3. It ranks second in terms of cryptocurrency capitalization. Litecoin is used for exchange for ordinary money and for making payments for the purchase of Internet products. It should be noted that not all sellers accept this currency.
The protection of the system and ensuring its uninterrupted functioning occurs through the use of cryptographic methods.

Payment system functioning

The main component of Litecoin is a special open source client program. Clients are connected with each other thanks to the application layer network protocol that runs on different computers. Litecoin offers users to conduct foreign exchange transactions in private.
Litecoin applies the principle of a peer-to-peer network without the intervention of the administrative center. Thus, government regulation and purposeful manipulation of the course becomes impossible.
Litecoin is now being exchanged for both Bitcoin and fiat funds. This mostly happens on online platforms. Reversible processes (using bank cards) for buying Litecoin are not used due to the existing fear of a chargeback.

Litecoin wallet creation

The creation of the systems wallet is associated with the development of earning cryptocurrencies on the Internet. Registering a Litecoin wallet will not take a lot of time from the user. This procedure can be carried out in 2 ways:

Download the payment system wallet on the official website.
Create a wallet online.
Most users prefer online wallets. It is more convenient to work with them and there is no need to allocate memory for the program on the computer.
To register on the site, you need to find the appropriate section (Open an account). Next, you need to fill out a form consisting of an email and a personal password. After that, a message comes to the specified address with a request to confirm the registration. This completes the creation of the wallet. The personal account has its own lightcoin address. To earn money, you only need to indicate this link and the funds will automatically be credited to the account.
Replenishment of the wallet
Users replenish their Litecoin balance in order to obtain benefits, for example, subsequent sale or payment for Internet services. You can buy litecoin in 5 ways:

Via Webmoney wallet. This option is considered the simplest. To do this, you need an active account in the Webmoney system, type WMX. You can buy cryptocurrencies either on the Webmoney website, or using an exchanger. The advantages of this method include the ease of conducting a transaction, and the disadvantages are a large commission for conversion.
Purchase through the exchanger. Statistics indicate that the most common exchanger among users of the Russian Federation is Matbi. There is no commission here, and you only need your mobile phone number to register.
Balance replenishment through cryptocurrency exchanges. To purchase, you must submit an application for the auction. It is important to remember that on some exchanges there are restrictions on how to replenish an internal ruble or dollar account.
Buying with a forex broker. For a beginner, this method is not appropriate. There are some nuances here, ranging from account replenishment to the conditions for buying cryptocurrencies. The advantage of purchasing through forex brokers is that there are no restrictions on the amount of purchases.
Buy cryptocurrency directly. The method involves the acquisition "from hand to hand." To do this, find on the forums the user offering the sale. In this case, the commission will be minimal, but there is a risk of losing your finances, because there are no guarantees.

Selling and withdrawing litecoin

There are 3 options for disposing of cryptocurrency:

Carry out a litecoin sale operation and fix your profit from the transaction.
Do not take any action to expect an increase in cryptocurrency growth.
Purchase a product in an online store.
The development of cryptocurrency contributes to an increase in demand, therefore, the number of points of sale that accept it is growing every day.

Litecoin development

Litecoin developers decided to rebrand in order to attract new users. Charlie Lee is one of the leading specialists in the field of creating a payment system, emphasizes that fast and high-quality development is needed, including external ones.
To date, it is worth highlighting the GoCoin system, which is actively involved in the idea of payment with litecoins. But GoCoin simultaneously processes Dogecoin payments and some merchants give their preference to them.
The planned rebranding will affect the Litecoin logo: the community will promote a standardized cryptocurrency logo in one color.
In 2014, Litecoin was not in the best condition, but after 10 months the management managed to stabilize the work. The first step was to increase the value of bitcoin and the dollar several times. Major investors and companies have shown interest. Litecoin was able to take a leading position in the digital value market.
Litecoin withdrawal
There are specialized exchangers for the withdrawal of cryptocurrency. They translate to:

VISA / MasterCard (USD, EUR) - commission from 2.5 to 4.5%.
Privat 24 (UAH) - commission 4%.
By ordering a bank transfer (USD, EUR) - 2% commission.
On average, exchangers process withdrawal requests within 1 hour, and the term for receiving funds to the owners card is from 3 to 6 days, depending on the conditions established by the bank.

Payment system OKpay.com is the property of the offshore company OKPAY.inc, which was registered in 2009. The place of registration of the company today is the Republic of Cyprus.
OKpay system serves a wide range of online transactions. Almost the only limitation for the settlement operations carried out in this system is operations related to child pornography.
This “open-mindedness” allowed the system to securely gain a foothold in the ranks of the most popular electronic payment systems in a relatively short period. Many large operators in various markets are willing to transfer their operations to this payment system. Currently, the services of the company are used by:

Online shops.
Brokers and traders of stock and foreign exchange markets.
Investment and insurance companies operating over the Internet.
Various freelancers (and their employers) and other individuals and legal entities who use the Internet to make money.

Registration in the OKpay system

In order to register in the system, it is enough to go through a simple registration procedure on the official website of the company. Registration will take a few minutes. A message with your account number and password will be sent to your email address. A link will also be indicated here, the transition to which will activate your account.
From now on, you can replenish your account by depositing your own funds, or through payments from your buyers (employers).
To be able to withdraw funds from the OKpay system, you need to go through the address and passport verification procedure. As part of the verification procedure, the following information must be provided:

A scanned copy or digital photograph of the passport with the address of registration;
For additional confirmation of the authenticity of the residential address, it is recommended to provide copies of receipts for utilities. Receipts must contain information about the identity of the payer and the address of the apartment (house);
E-mail address. A message will be sent to the specified address with a link to be followed.
The client of the OKpay system is not obliged to go through the verification procedure, but in this case he will not be able to withdraw funds to bank accounts, and the maximum volume of electronic payments through the system will not exceed 300 Euros per month.
Refill
A wide range of financial instruments is provided for replenishing an account in the OKpay system:

Transfer from a bank account.
Payments through the "Contact" money transfer system.
Transfer of funds through other electronic payment systems.
Income from certified exchangers.
Bank transfer, as a way to fund your account, is an expensive "pleasure". Especially when it comes to small amounts. Banks commission is 1%, but the minimum commission amount is $ 12, and in some banks - $ 20.
Commission for transfers from other payment systems will range from 4 to 10%.
Payments through the "Contact" system are accepted only from verified clients.
Bonuses and promotions
From the first days of its existence, the electronic payment system OKpay has been pursuing a rather aggressive marketing policy, the main goal of which is to attract new customers and expand the scope of the systems accounts.
In particular, to increase the client base, the companys specialists have developed an interesting bonus program, which, in its essence, is a one-level referral program. For each attracted client, you receive referral bonuses, which are used to reduce commissions on your transactions.
If a store or any other trading Internet resource is connected to the system using your link, then you will receive additional income - you will be charged interest on all operations performed by this resource through the OKpay payment system.

Benefits of using the OKpay electronic payment system
The main advantages of the system, in addition to the above-mentioned variability of operations, include the following:

Low commission. A number of transactions are performed without commission.
The ability to transfer funds by email.
High speed of money transfers.
Close partnerships with large trade enterprises and financial institutions.
Large selection of currencies and instant exchange.
High level of integration into various online trading systems.

Among the advantages of this payment system, it should also be noted a high level of security and confidentiality of transactions. The companys employees have developed a whole range of unique software products that are designed to ensure clarity, efficiency and security of money transactions. These products include:

Data transmission encryption system SSL level 3.0 / TLS 1.0 (128bit)
IP filtering to block access to your account.
A weighty argument confirming the reliability of the payment system is the fact that OKPAY.inc has accounts in offshore banks. The amount of funds held in these accounts corresponds to the amount of client funds. For the sake of fairness, it should be noted that this information has not been confirmed by independent audit companies or reputable financial market regulators.

Current system tariffs
For users, both existing and potential, the company offers the following tariffs:

Opening an account and activating a seller, for individuals and legal entities - free of charge;
Transfer of funds to the counterpartys bank account - free;
Transfer of funds to a payment bank card - 5% + 0.4;
Currency exchange - at the market rate without additional commission;
Internal transfers - 0.5%;
Withdrawals - 0.5%.
The company also provides its clients with additional services, which include:

Clarification of counterparty details - $ 30;
Account recovery - $ 10.

Payeer service was launched in 2012

The system operates on the territory of any country, unlike other payment systems, for example, residents of Germany cannot use Webmoney. Payeer offices are located in:

Scotland (Aberdeen) - Akkord Welt LP. Company registration - October 14, 2014. The number is SL017598. FCA licensed.
Russia (Togliatti) - LLC Payer RUS. The head of the organization is Evgenia Nikolaevna Kosolapova.
Georgia (Tbilisi) - headquarters of PAYEER Ltd. Registration number - 40011800. There is a license of the National Bank of Georgia to work with funds. In total, this representative office can carry out 6 financial transactions.
The Payeer payment system is quite popular among users. The simple interface and versatility of the system should be noted. When carrying out various types of operations, a small commission is charged (depending on the type).

If you look at the statistics, then this system is preferred by more than half a million users from different countries of the world. Today in Payeer you can perform the following actions:

Funding your account.
Transfers to other wallets, including investment.
Withdrawing funds to a bank card.
Payment for purchased Internet products.
Payment of utility bills.
Also, the systems capabilities include ways of earning:

Creation of your own currency exchange office.
Affiliate program.
This diversity in terms of capabilities allows you to carry out almost any operation related to the processing of funds.

Registration with Payeer

If we compare Payeer with other payment systems, for example, Webmoney and Okpay, then here is the simplest registration procedure. To get started, you just need to indicate your email address and enter the code from the picture. All information for registration will be sent by e-mail. In the future, the user has the opportunity to enter his personal data in order to change the account, but the main distinguishing feature of this payment system is that there is an increased level of confidentiality. This is an important advantage, because all financial transactions can be carried out by specifying only your email address.

The Webmoney system was taken as a comparison. There are a number of restrictions here if the user has not provided all information about himself. Other systems have limits on replenishment and withdrawal of funds in cases of incomplete data provision.

The only limitation of a private account is that the amount of transactions does not exceed 15,000 rubles. Upon receipt of a personal account, this figure increases to 100,000.

Replenishment of an account on Payeer

The Payeer system provides a wide range of ways to replenish your balance:

Payment systems. The easiest way. The commission for this operation depends on the chosen system - Yandex. Money, QIWI, LiqPay, Paxum, BTC-E, W1.
Using a bank card. Payment is made from all VISA and MasterCard cards. When choosing this method, the commission is 4%. There is also an additional withholding of funds, depending on the currency (ruble - 2.7%).
Through banks. You need to write an invoice yourself or make a bank transfer. Today, a small number of banks cooperate with Payeer - Sberbank, Alfa-click, Svyaznoy Bank and Prosvyazbank. The commission ranges from 1 to 2%.
Payment via mobile transfer. Replenishment in this way implies making a transfer from your mobile phone. Only MTS and Megafon operators are used. Payeer does not charge a commission, and the operators commission is 5%.
Payment using the terminal. It is considered the most convenient deposit option. The user will need to find a suitable multicass, select the appropriate section (Electronic money), enter his account number and pay. It is recommended that you request the receipt and keep it until the transaction is completed.
Translation system. To do this, you should contact the branch that makes money transfers. The following companies work with Payeer: Euroset, Unistream, Svyaznoy, Leader, Cellular World, Mobile Element. The commission is influenced by the chosen system.

Withdraw funds from Payeer

Withdrawal of finance is available in the following ways:

Transfer to a virtual VISA card.
Payeer exchanger.
Replenishment of VISA and MasterCard cards.
Transfer to any bank card (instantly).
Making an application for a money transfer.
Other existing internet currencies.
The commission directly depends on the selected type of withdrawal. For example, via SWIFT transfer: 3.9% - withholding Payeer; 0.5% - to the gateway. With a withdrawal of $ 100, the user receives $ 63.1.

Main advantages of Payeer

The main advantage of using Payeer is that it is possible to install a payment system for goods and services on your website. With the help of the API application, you can organize payments to any clients accounts in automatic mode. In addition, many Payeer users are improving their economic condition. With the help of an affiliate link, it is possible to earn from the interest rate of the operation that is carried out by the referral.

Also, the advantages of Payeer include:

A wide range of deposit methods.
Fast crediting of funds to the account.
Ability to work simultaneously with several currencies.
Finance withdrawal.
Low commissions for transactions.

Set tariffs of the payment system

The following tariffs have been set for all existing Payeer users:

Registration and activation of your account is free.
International transfers even to those persons who are not registered in the system: receiving funds - 0%, sending - 0.95%.
Currency conversion within the system (ruble, dollar, euro) - 2%.
Account replenishment - 0%.
Withdrawals - 3.5% .IP security - free.
Connection in the form of sms notifications - one sms 0.30 rubles.
Restoring your password - from $ 0 to $ 50 (if the user has disabled the function of restoring access to his account)
The Payeer system provides a wide range of ways to replenish your balance:

Payment systems. The easiest way. The commission for this operation depends on the chosen system - Yandex. Money, QIWI, LiqPay, Paxum, BTC-E, W1.
Using a bank card. Payment is made from all VISA and MasterCard cards. When choosing this method, the commission is 4%. There is also an additional withholding of funds, depending on the currency (ruble - 2.7%).
Through banks. You need to write an invoice yourself or make a bank transfer. Today, a small number of banks cooperate with Payeer - Sberbank, Alfa-click, Svyaznoy Bank and Prosvyazbank. The commission ranges from 1 to 2%.
Payment via mobile transfer. Replenishment in this way implies making a transfer from your mobile phone. Only MTS and Megafon operators are used. Payeer does not charge a commission, and the operators commission is 5%.
Payment using the terminal. It is considered the most convenient deposit option. The user will need to find a suitable multicass, select the appropriate section (Electronic money), enter his account number and pay. It is recommended that you request the receipt and keep it until the transaction is completed.
Translation system. To do this, you should contact the branch that makes money transfers. The following companies work with Payeer: Euroset, Unistream, Svyaznoy, Leader, Cellular World, Mobile Element. The commission is influenced by the chosen system.
Withdraw funds from Payeer
Withdrawal of finance is available in the following ways:

Transfer to a virtual VISA card.
Payeer exchanger.
Replenishment of VISA and MasterCard cards.
Transfer to any bank card (instantly).
Making an application for a money transfer.
Other existing internet currencies.
The commission directly depends on the selected type of withdrawal. For example, via SWIFT transfer: 3.9% - withholding Payeer; 0.5% - to the gateway. With a withdrawal of $ 100, the user receives $ 63.1.

Main advantages of Payeer
The main advantage of using Payeer is that it is possible to install a payment system for goods and services on your website. With the help of the API application, you can organize payments to any clients accounts in automatic mode. In addition, many Payeer users are improving their economic condition. With the help of an affiliate link, it is possible to earn from the interest rate of the operation that is carried out by the referral.

Also, the advantages of Payeer include:
A wide range of deposit methods.
Fast crediting of funds to the account.
Ability to work simultaneously with several currencies.
Finance withdrawal.
Low commissions for transactions.
Set tariffs of the payment system
The following tariffs have been set for all existing Payeer users:

Registration and activation of your account is free.
International transfers even to those persons who are not registered in the system: receiving funds - 0%, sending - 0.95%.
Currency conversion within the system (ruble, dollar, euro) - 2%.
Account replenishment - 0%.
Withdrawals - 3.5% .IP security - free.
Connection in the form of sms notifications - one sms 0.30 rubles.
Restoring your password - from $ 0 to $ 50 (if the user has disabled the function of restoring access to his account)